End of DSW Project Report-APROCEL
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DIGITAL SUB WALLET FOR INCREASED FINANCIAL EMPOWERMENT OF WOMEN END OF PROJECT REPORT Akayaja Twebiseho VSLA-Kakanju S/C conducting a savings meeting Project Name: Digital sub wallet Project Project Location: Bushenyi district Project duration: September 2016 to November 2020 Report submitted to: CARE International Uganda 1.0 Organization and program background Ankole Private Sector Promotion Centre LTD (APROCEL) was originally established in 1998 as a project under the 1st Country Cooperation Framework (CCF 1) of Government of Uganda and United Nations Development Program (UNDP). It was later incorporated as a company limited by guarantee in Dec 2003 and as an NGO in January, 2020. It operates in the twelve districts of Bushenyi, Ntungamo, Mbarara, Kiruhura, Isingiro, Ibanda, Mitooma, Rubirizi, Sheema, Buhweju, Rwampara and Kazo district. Its headquarters are in Bushenyi opposite Bayport. However, by its mandate APROCEL can extend its operations to other parts of the country APROCEL in partnership with Care International Uganda and Post Bank has implemented the Digital Sub Wallet project for increased financial empowerment of women in Bushenyi District since 2016. Care International Uganda is the prime NGO at national level for the project which is funded by Bill and Melinda Gates. The implementation started with the Pilot phase in Nyabubare Sub County for the period of 6 months from September 2016 to December 2017 and during this phase, 308 members from 15 VSLAs that had been operational for two or more years with a small percentage of women who had bank account were targeted. The project worked very well and the results indicated that it was possible and worth being rolled out. In January 2018 to December 2019, the project was rolled out in three Sub Counties of Ibaare, Kakanju and Kyabugimbi. In this phase, two interventions were tested i.e. DSW and HHDs targeting 565 members from 39 mature VSLA groups. Since this was a research project the choice of which VSLA does which intervention was random and 24 VSLAs targeted DSW treatment while 15 targeted DSW+HHD treatment, with 229 members targeted for HHDs. DSW and HHD sessions were conducted among targeted groups and HHs respectively. In addition, other 20 groups were gazetted 1 as control (no intervention) for comparison purposes at the end of the project. After the implementation of Digital sub wallet project in the three sub counties of Kakanju, Kyabugimbi and Ibaare in Bushenyi district that ended in December 2019, the results were impressive and it called for project extension of 10 months starting February – November 2020 to reach out to more 50 VSLAs that were not reached out and the 336 households that had previously received DSW trainings only in the same areas of our intervention. 1.1 The project goal. By December 2020, 2225 women in the sub counties of Kakanju, Kyabugimbi and Ibaare in Bushenyi District have increased influence over household financial management leading to improved development outcomes for the household. 1.2 Project objectives; Objective 1: To enhance skills and knowledge of 1175 women on the use of sub – wallets from 89 rural savings groups through linkages to mobile sub-wallet agents in Bushenyi by November 2020. Objective 2: To enhance skills and build capacity of 2225 women in the sub counties of Kakanju, Kyabugimbi, and Ibaare in Bushenyi District to influence household finance planning by November 2020. Objective 3: To enhance skills and knowledge of 753 households on household dialogues in the sub counties of Kakanju, Kyabugimbi, and Ibaare in Bushenyi District by November 2020. Snapshots of project achievements. Conducted 6 community inception meetings for the project research and extension phases in the 3 Sub Counties. Conducted HHDs in 659 households out of targeted 753 households were 575 are female and 84 are males. Conducted financial literacy trainings in 88 VSLAs out of targeted 89 VSLAs and reached 1957 members. 22 groups opened accounts with Post Bank . 722 members opened accounts and 365 members were linked to the sub wallet platform. Conducted group verification, data collection and data entry . Supported 53 VSLAs in group registration and certificates were obtained . Conducted 5 joint field monitoring visits by APROCEL & CARE Project Teams . Conducted TOT for staff in Household dialogue Financial Literacy, use of sub wallets, and SPM . Conducted 12 refresher trainings in Household dialogue Financial Literacy, use of sub wallets, agent banking and SPM . 3 sub county coordination meetings were conducted . Sensitized and created awareness in the communities on the COVID 19 guidelines and preventive measures . Distributed COVID 19 response items to 89 VSLA group and supported the frontline workers with sanitizers and face masks. Conducted 4 radio talk shows and developed 2 radio spot messages. Trained village agents in filling pin reset and account opening forms . Conducted monthly staff review meetings. Conducted eight bi-annual / stake holders’ review meetings. Conducted project monitoring visits . Held weekly management meetings . Conducted 6 community champions/village agents’ trainings in sub wallets, HHD and SPM in the 3 Sub Counties. 2 . Hosted visitors from the Gates foundation team, Care-USA Senior Impact & Measurement Advisor & the Uganda programs director. Conducted 3 closure out meetings in three sub counties . 2.0 Detailed implementation Progress 2.1 Conducted 3 community inception meetings for the project in 3 Sub Counties for research and extension phase respectively. APROCEL in conjunction with CARE International Uganda conducted inception meetings in the 3 sub counties of Kakanju, Kyabugimbi and Ibaare for three days at their respective headquarters for the research phase and extension phase respectively. The participants included; group & opinion leaders, District & Sub County officials, Police, APROCEL & CARE staff & Post Bank team. The total number of participants for both phases added up to 326 of which 154 were males and 172 females in the three sub counties as illustrated in the table below Table1 showing level of attendance during community inception meetings Sub County No. of participates Females Males Total Ibaare 60 56 116 Kakanju 51 49 100 Kyabugimbi 61 49 110 Total 172 154 326 The aim of these meetings were to seek permission to allow us implement the project in the respective communities, officially introduce the project and the implementing Partners that is APROCEL, CARE International Uganda and Postbank. And also request for support especially from the government officials in terms of mobilization and sensitization and agree upon their roles and contributions. The participants especially the government officials (DCDO, sub county leaders i.e. Chairperson LCII, SAS, GISO and CDO, VSLAs leaders and OCs Police Stations) in all phases thanked and welcomed the project to their respective sub counties and accepted it to be extended to more VSLAs as they agreed and pledged to provide support throughout the project implementation process. They were grateful to APROCEL/CARE for having chosen their sub counties among the many sub counties in Bushenyi District. This has enabled us as APROCEL in mobilizing new VSLAs, monitoring, receiving GBV referrals and staff security in all areas of our interventions. Also the communities well received us and trusted APROCEL /CARE International in Uganda from day one because we were legal. 2.2 Conducted HHDs in 659 households out of targeted 753 households were 575 are female and 84 are males. Household dialogue interventions was done at the household level in the chosen VSLA members’ households where they were introduced at the group by the community based facilitators. It was done with consent and on the agreed dates/time appropriate to the parties involved. Throughout the entire Project implementation, 659 households completed all the sessions of household dialogue in both research and extension phases were 575 are females and 84 are males. However 94 3 households have not been reached because some were widows, divorced/separated, young/single mothers (unmarried), none group members and those whose spouses were staying very far and therefore were very difficult to get. This was an effect of the research criteria that was used in selecting these households in the research phase. The objectives of this intervention was to encourage equity and equality among all household members and specifically engage all household members who influence in decision making. All Household members were encouraged to be open and share their respective financial goals irrespective of age or sex and these were discussed and an agreement reached. This helped in lifting up the women’s needs and goals as they played a role in household financial management and in return increased their financial control hence empowerment. Project Phase No. of VSLAs No. of members trained in HHD Males Females Total Research 15 11 156 167 Extension 74 73 419 492 Total 89 84 575 659 Table 2 Showing number of households facilitated in HHD from targeted VSLAs These dialogues were conducted in 7 sessions and at least each week a session was facilitated some issues were raised, these include; limited sources of income to boost the household’s savings, struggling joint decision making due to men’s superiority which led to lack of respect of other family members and ineffective communication among the family members characterized by culture and illiteracy. Other households members stated that the bread winner is the